Option Adjusted Estimated Cost Calculator

Name:

Institution:

Email:

Phone number:

Principal Value of CD:

Term of CD in Months:

Rate on CD:

Estimated Maturity Value of Original CD:

FHLB Advance rate for Same Term:

Spread to FHLB Advance Rate at Issuance:

Future Spread on CD Rate over FHLB:

Penalty Structure for this CD

Show Data Table

Window to Replace CD for Additional Cost to Bank over Original	From Month	To Month
Expected Timing to Refinance for Maximum Cost to Bank	Months Into	Remaining
Maximum Cost to Bank Net of Penalty at Maturity from Replacement CD
Forward Implied Yield on Replacement CD at Maximum Cost to Bank
Option-Adjusted Estimated Cost (Average Yield on Full Term - Original CD, Penalty & Replacement CD)
Estimated Value of Option (Option-Adjusted Yield less Original Rate)

CD Revolution^®, Rights Protected by U.S. Patent Number 8,140,419 March 20,2012.